Wholesale / Commercial Banking Systems Insights

Rachna Ahlawat, EVP and co-founder of Ondot Systems, expressed concerns about how Open Banking could take the one click payment process to something more cumbersome for consumers at this week’s PayExpo conference, in central London.
“With the Open Banking initiative and having to validate every transaction that comes, the one time... read more

Digitization is everywhere – it’s a topic for virtually every industry forum, banks are either committing to ‘digital everything’ strategies, appointing digital banking chiefs or increasing their technology budgets. Some are even launching “digital-only” subsidiaries as a faster way to go digital. Books about... read more

Across the globe, firms of different shapes and sizes have always struggled with cash and working capital management. Modern businesses – and their finance and treasury departments – constantly aim to effectively manage their debt ratios, with the aim of efficiently using cash as a resource and quickly take advantage of M&A... read more

German fintech N26 has begun its phased launch into the UK.
The country has seen many a challenger bank set up shop in the last 10 years with Monzo (2015), Starling (2014), and Atom (2014), as incumbents increasingly fail in areas of customer service – according to recent CMA rankings. Many high profile tech failures such as TSB have led... read more

According to the World Bank, financial inclusion means that individuals and businesses have access to useful and affordable financial products and services that meet their needs; transactions, payments, savings, credit and insurance, delivered in a responsible and sustainable way.
This access to a transaction account is a first step toward... read more

UK challenger banks and fintechs are making moves to ensure their services will be available to customers in the European Union after Brexit.
Starling was granted a banking passport into the Republic of Ireland last year, while Revolut has begun the process of applying for an e-money licence in Luxembourg. “This ensures that Starling can... read more

The payments space is heating up.
As the open banking initiative facilitates a monumental shift, new market participants are looking to disrupt in entirely new ways.
While the US and European payments landscape is awash with sexy consumer-facing paytech, few of those participants are paying attention to the vital work of the underlying... read more

They say imitation is the sincerest form of flattery. If that’s the case, there should be an outpouring of adulation from banks to GAFA (Google, Amazon, Facebook, Apple) and BAT (Baidu, Alibaba, Tencent).
Big tech companies have mastered the art of openness. They have weaponised it and are now reaping the rewards. In the era of Open... read more

Chatbots have been around for more than half a century, and they’re often dismissed as little more than a source of empty small talk for bored social media users. Yet over the course of the last few years, fintechs have turned that perception on its head by transforming traditional social media chatbots into dynamic and secure payment... read more

In 2020 another seismic upheaval looms on the horizon for the European financial community. This time the main players are the European central and national banks. Vision 2020, as the Eurosystem’s T2/T2S Consolidation project is known, sees the technical consolidation of TARGET2 and TARGET2-Securities and the harmonisation and integration of... read more

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